BEWARE the Yo-Yo Financing Car Dealership Scam!!!!
At the beginning of June I purchased a car from these small-time crooks. Following an exhausting day at their office with very young Ruben, my husband and I have finalized the purchase agreement, only to be confronted with an unexpected demand for additional down payment a week later. Another option was to return the car. We have of course refused to give them extra money and since it was a weekend and we were out of town, we did not want to make any decisions before going back to purchase agreement and learning what our options are as buyers. We did not have a purchase agreement with us, of course. Despite numerous exchanged messages and repeated requests to have the purchase agreement sent via email, they failed to do so. After informing the manager, "Tony" Tolik Cioban, that we would not return the car until we had thoroughly read the contract, he called us and displayed a childish and unprofessional reaction, tried some absurd and juvenile intimidation techniques and hung up on us. We still find it ridiculous and amusing. After returning to Sacramento and reading the contract, we made a decision to return the car. And this was the best decision ever, what a relief it was. We did get our down payment back. Loan terms were so horrible to start with and this vehicle would have been double the original car price. We went to another dealership the next day and purchased a very nice Audi for cash. Our failure to thoroughly read the contract was a display of naivety. The primary purpose of this review is to acknowledge our oversight and potentially assist someone else who might fall victim to these scammers. This experience has had a big impact on my credit score but also confirmed the common belief that many car salespeople can be very deceitful and sleazy. Fortunately, there exists the lemon law to protect consumers, and scams like this one can be reported to the Bureau of Consumer Protection, DMV, auto fraud attorney, etc. I do remain hopeful that justice will ultimately be served to these unscrupulous businesses and individuals. Good luck to everyone! read more